Mortgage Underwriter Customer Service

Mary Kay

**** ******** ** *, ************, FL ***57

C 360-***-****

************@*****.***

Professional Summary I have been in the Mortgage industry over 35 years with experience in the following: Specialty Jumbo Non-Conforming, Agency/AUS/LP, ConstrucHon Loans, Bridge Loans mortgage underwriter, have my DE CHUM. Signing authority of $5 million. I am a Mortgage Underwriter that constantly meets and/or exceeds goals and company expectaHons. Worked in a Corporate and a Remote seRng. Mortgage professional with more than 35 years’ experience underwriHng, Jumbo Non-Conforming, AUS and LP, DE CHUMS, quality control, TRID compliance experience, creaHng LE or CD, accounts payable and receivable, staff training, loan originaHon and structuring, selling on the secondary market, Forensic UnderwriHng, Fraud review, account development, staff management, detail orientated with consistent work prioriHzaHon skills. Very much a team player with a posiHve work aRtude.

Skills

• Risk Management Assessment

• Excellent Work Ethics

• Jumbo, DE CHUMS, AUS, DU, LP, USDA, ConstrucHon, Loan Structuring

• Risk Management Processes and Analysis

• Self Employed Tax Returns Analysis, Personal and mulHple Business returns

• Strong Problem-Solving Ability

• Excellent AZenHon to Detail

• High Level of Accuracy

• Strong Verbal CommunicaHon

• Strong AnalyHcal and Judgement Skills

• Evaluate and idenHfy the impact of lending decisions on the Community Reinvestment Act and Federal Fair Lending Policies are met

• Ability to MulH-Task

• Sales, Business Development, Customer Service

• Bookkeeping including payroll and taxes, accounts receivable and payable

• Microso[ Office Word, Excel, Outlook; QuickBooks; Calyx Mortgage so[ware; CORE AND LIS; Encompass

Work History Specialty Underwriter – 4/4/22 to 7/28/22 Laid off

Bay Equity LLC – Remote

Review Specialty Loans i.e., Manually underwrite Jumbo Non-Conforming and Non-QM loan files, including analyzing complex personal and business tax returns including mulHple business and properHes and Restricted Stock OpHon income. Adhere to all of investor and or Private Investor guidelines, Federal and State compliance guidelines. Review complex convenHonal/conforming loans. Run AUS/LP/DU findings. CondiHon appropriately per guidelines and/or findings. Approve or recommend denial on each file reviewed. ImplementaHon of fraud detecHon techniques and preform compliance reviews. Ensure that customer service commitments are met with all parHes involved including investor. Mentor less experienced underwriters.

Underwriter III – Jumbo Non-Conforming and Agency – 2/8/21 to 3/31/22 Laid off Flagstar Bank – Remote

Manually underwrite Jumbo Non-Conforming, Non-QM and Agency loan files, including analyzing complex personal and business tax returns including mulHple business and properHes and Restricted Stock OpHon income. Adhere to mulHple investor and or Private Investor guidelines, Federal and State compliance guidelines. Review complex convenHonal/conforming loans. Run AUS/LP/DU findings. CondiHon appropriately per guidelines and/or findings. Approve or recommend denial on each file reviewed. ImplementaHon of fraud detecHon techniques and preform compliance reviews. Ensure that customer service commitments are met with all parHes involved including investor. Mentor less experienced underwriters.

Underwriter – 10/19/20 to 2/5/21

OnQ Financial – Remote

Review complex retail convenHonal/conforming and jumbo loan submissions, run DU/LP and/or manually underwrite to investor guidelines. Implement fraud detecHon techniques, preform compliance reviews. Ensure customer service commitments are met, mentor less experienced underwriters, analyzing complex personal and business tax returns including mulHple business and properHes and Restricted Stock OpHon income. Correspondent Lending Underwriter IV - 9/18/17 to 10/16/20 EverBank/TIAA Bank - Remote

Review and manually underwrite the most complex correspondent Jumbo Non-Conforming and Non-QM loan files, including analyzing complex personal and business tax returns including mulHple business and properHes and Restricted Stock OpHon income. Adhere to all of investor and or Private Investor guidelines, Federal and State compliance guidelines. Review complex convenHonal/conforming loans. Run AUS/DU findings. CondiHon appropriately per guidelines and/or findings. Approve or recommend denial on each file reviewed. ImplementaHon of fraud detecHon techniques and preform compliance reviews. Ensure that customer service commitments are met with all parHes involved including investor. Mentor less experienced underwriters. Communicate directly with the Correspondent ensuring all condiHons meet investor guidelines.

Underwriter IV – 4/13 to 9/22/17

Wells Fargo – Portland OR

Review complex retail convenHonal/conforming and jumbo loan submissions, run DU/LP and/or manually underwrite to investor guidelines. Implement fraud detecHon techniques, preform compliance reviews. Ensure customer service commitments are met, mentor less experienced underwriters, analyzing complex personal and business tax returns including mulHple business and properHes.

Underwriter III – 1/13 – 4/13

Bank of America – Tampa FL

Review complex retail convenHonal/conforming and jumbo loan submissions, run DU/LP and/or manually underwrite to investor guidelines. Implement fraud detecHon techniques, preform compliance reviews. Ensure customer service commitments are met, mentor less experienced underwriters, analyzing complex personal and business tax returns including mulHple business and properHes and Restricted Stock OpHon income. Processing Manager/Underwriter – 12/1996 to 1/13

Quality Express Mortgage Processing Center Inc. – DesMoines WA Self-employed: developed and built the first contract mortgage processing center in Washington State. Cold calling to promote contract processing, developing business and working with small home town Brokers. Processed mortgage loans and maintained quality control, Federal and State Laws and guidelines for over 20 mortgage brokers submiRng complete loan packages to various number of lenders meeHng their specific guidelines to assure sellable quality loans and fast closings. All loans were pre-underwriZen and quality control audit completed on each file assuring HMDA, SAFE, RESPA, TILA and TRID was met. Prepared accurate LE or CD when needed. Licensed Mortgage Broker with over 20 loan officers and 8 mortgage processors. Licensed in the State of Washington, Oregon, Montana, Alaska and Hawaii. Was contracted to complete quality control audits to assure Federal and state guidelines were met. Develop, maintain and troubleshoot company computer system and so[ware.

Education High School Diploma

Highline Community College – SeaZle, WA

ConTnuing annual required educaTon

Certifications

• DE CHUMS

• NMLS

• Florida State Notary, prior Washington State Notary

• Signing Authority to $5,000,000

Volunteer Work

• Save Rock Great Dane Rescue and Rehab – veZng department, cold calling and scheduling vet appointment for newly rescued Great Danes all over the UnTed States

• Preparing meal for people in need

• ConTnue parTcipaTon in corporate volunteer projects

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